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2023/24 Manx Care Report: Key Challenges, Gaps, and Private Medical Insurance Benefits
The 2023/24 Annual Report from Manx Care offers a comprehensive view of the current state of healthcare services on the Isle of Man. It highlights achievements, yet also brings to light significant challenges and deficiencies within the system,…
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Breaking Down the Budget
The UK’s Autumn Budget 2024, delivered by Labour Chancellor Rachel Reeves, marked a major shift in the country’s fiscal approach, introducing substantial tax increases and a suite of public investments aimed at rebuilding national infrastructure and social systems. Framed as a move towards “national renewal,” the budget…
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How do U.S. elections affect stock market performance?
In the final weeks of the 2024 election campaign, the contest between Donald Trump and Kamala Harris is not only dominating political headlines but also influencing financial markets. Historically, U.S. presidential elections have been closely tied to stock market performance, as investor sentiment and market behaviour shift in response to…
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5% Interest Rate: Stability or Challenge for Isle of Man Residents?
On 19th September, the Bank of England decided to maintain the base interest rate at 5%, following a recent cut from 5.25% in August, the first reduction in this cycle. With the next review scheduled for 7th November, Isle of Man residents are closely watching how…
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Thriving in volatility
Market volatility is an inescapable part of investing, but it doesn’t have to be a source of stress or anxiety. In this blog, we will look at examples of market volatility as well as exploring approaches that can help you protect your portfolio. Market volatility is…
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A Short Guide to Private Healthcare
While most of us would not want to be without the NHS or the services of Manx Care, there is no denying that services have become extremely stretched in recent years. This has been made worse by the pandemic, and it could take years, as well as significant commitment by…
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A Guide to Financial Protection for the Self-Employed
Self-employment can be extremely rewarding. You can take charge of your earnings, working hours and location, and there are no limits to what you can achieve. But being self-employed comes with risks. There is no safety net if you are unable to work because of illness, and no provision for…
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Are Over 50s plans a good life insurance option?
If you have been at home during the day more than usual in recent months, you may have seen Over 50s Life Insurance advertised on TV. These commercials are friendly, reassuring, and often fronted by celebrities. The insurers advertised are usually household names. So what is Over 50s Life Insurance,…
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The IOM Pension Freedom Scheme (PFS) – What is it?
Back in February 2018, the Treasury Minister, the Hon. A L Cannan, MHK, announced the introduction of some new legislation surrounding personal pensions. This legislation became effective from the 6th of April 2018 on the Isle of Man to bring about pension freedoms and enable new products offering further…
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Isle of Man State Pension – how does it work?
When talking about pensions, people can often be referring to the state pension scheme that is provided by the government. This type of pension scheme has often been subject to a lot of confusion as to what it really does, how you accrue the credits required to have the…
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Life insurance: what is it and what are the options?
Life insurance is an often-forgotten part of proper financial planning and it is something we are quite passionate about. Whether you are looking for whole of life insurance, insurance to cover a mortgage or purely to provide something for your family after you are gone, there is a wide…
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COVID-19: What it means for pensioners
From early on in the Coronavirus pandemic, it has been apparent that older people are more vulnerable to the disease. The over-70s and anyone with underlying health conditions have been advised to isolate as far as possible. We are not medical experts, and would urge you to follow professional…